Best Schengen Travel Insurance Plans for 2025
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
The ACS - Europax offer provides coverage for medical expenses abroad up to €30,000 per insured person, with a deductible of €30, which is the same as AXA - Visa Schengen - Schengen Low Cost and Assur Travel - Impact Schengen - Essential, but lower than AXA - Visa Schengen - Schengen Europe Travel and Mondial Care - Visa Schengen - Option Premium, which offer up to €100,000. Regarding legal liability, ACS - Europax offers high coverage of €4,575,000, which far exceeds Mondial Care - Visa Schengen - Premium option, which covers up to €1,500,000. However, ACS - Europax does not offer cancellation insurance, unlike some competing offers that include this guarantee.
The price of ACS - Europax is €30.20, which is competitive compared to AXA - Visa Schengen - Schengen Low Cost at €55.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is slightly lower than Mondial Care - Visa Schengen - Option Confort at €34.00.
The ACS - Europax offer is suitable for non-European travellers who need insurance that meets the requirements of the Schengen visa, with excellent coverage for medical emergencies and high liability coverage at a competitive price.
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
- Does not cover pre-existing conditions
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
The Chapka - Cap Schengen insurance provides coverage for medical expenses abroad up to €30,000 per insured person with a deductible of €80, which is standard compared to other offers like AVA Assurances - Ava Incoming Classic and Europ Assistance - Visa Schengen - Schengen. Medical repatriation is covered at actual cost, which offers premium coverage similar to Assur Travel - Impact Schengen - Essential and AVA Insurances - Ava Incoming Safe & Health. However, this offer does not cover trip cancellation, liability, loss or theft of luggage, or interruption of stay, making it less comprehensive than offers like ACS - Europax, which includes liability coverage up to €4,575,000 per insured person.
The price of Chapka - Cap Schengen insurance is €58.00, which is more expensive than competing offers such as Assur Travel - Impact Schengen - Essential at €37.00 and ACS - Europax at €30.20. On the other hand, it is cheaper than the AXA - Visa Schengen - Schengen Europe Travel insurance at €81.00.
This offer is suitable for non-European travellers planning a trip to the Schengen area, as it meets Schengen visa requirements with adequate coverage for medical expenses and medical repatriation.
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
Mondial Care - Visa Schengen - Option Confort offers solid guarantees for non-European travellers visiting the Schengen area, with a medical expenses ceiling abroad of €100,000, higher than ACS - Europax and Assur Travel - Impact Schengen - Essentiel which only offer €30,000. However, private liability insurance is covered up to €1,500,000, less than the €4,575,000 offered by ACS - Europax. Medical repatriation is covered without cost limit, similar to most other offers. However, the offer does not cover luggage, cancellation or interruption of stay, which may be a disadvantage for some travellers.
The price of Mondial Care - Visa Schengen - Option Confort is €34.00, which is competitive compared to other offers such as Assur Travel - Impact Schengen - Premium for €44.00 and AXA - Visa Schengen - Schengen Europe Travel for €81.00, although slightly more expensive than ACS - Europax for €30.20.
This offer is well suited for the non-European traveller who needs high medical cover and adequate liability insurance for a three-week stay in the Schengen area.
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
Mondial Care - Visa Schengen - Premium option offers coverage for medical expenses abroad of €100,000 per insured person, which is higher than the €30,000 of ACS - Europax and equivalent to AXA - Visa Schengen - Schengen Europe Travel. Regarding legal liability, it offers coverage of €1,500,000, less than the €4,575,000 offered by ACS - Europax, but more than most other competitors who do not cover this guarantee. Medical repatriation is covered against actual costs, a standard among premium offers. However, guarantees such as cancellation and baggage cover are lacking, unlike Chapka - Cap Academy, which covers baggage up to €3,000.
The price of Mondial Care - Visa Schengen - Premium option is €47.00, which is competitive compared to Assur Travel - Impact Schengen - Summum at €48.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is more expensive than Mondial Care - Visa Schengen - Option Confort at €34.00 and ACS - Europax at €30.20.
This offer is suitable for non-European citizens travelling in the Schengen area, as it meets the requirements for a Schengen visa and provides adequate medical cover and liability cover.
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
Chapka - Cap Europa provides coverage for medical expenses abroad up to €70,000 per insured, with a deductible of €80, which is lower than ACS - Globe Partner and Mondial Care - World Travel which offer €300,000 and €300,000 respectively, without any deductible for the first and €50 for the second. Regarding medical repatriation, Chapka - Cap Europa covers the actual costs, similar to ACS - Globe Traveller and Mondial Care - World Travel. However, Chapka - Cap Europa does not cover luggage, unlike ACS - Globe Traveller which offers coverage of €2,000 per claim, and Mondial Care - World Travel which offers €1,000. Furthermore, cancellation insurance is not covered by Chapka - Cap Europa, while ACS - Globe Traveller provides coverage up to €9,000 per insured.
Chapka - Cap Europa is suitable for travellers journeying around the world for a year who prioritise medical coverage and repatriation, but they may encounter limitations due to the absence of coverage for luggage and cancellation.
- The Best Schengen Travel Insurance Plans
- What exactly is Schengen travel insurance?
- The Price of Schengen Travel Insurance
- What does Schengen travel insurance cover?
- The conditions of Schengen travel insurance
- Why take out Schengen travel insurance?
- How to choose the right Schengen travel insurance
- Does my current insurance policy cover Schengen travel?
- FAQ
Schengen travel insurance: key takeaways
1. Definition: Mandatory insurance for a Schengen visa, covering medical emergencies and repatriation within the Schengen Area.
2. Price: A one-week policy for Europe typically costs between ₹400 and ₹1,200, depending on the insurer.
3. Coverage: It typically covers medical emergencies and repatriation but often excludes pre-existing conditions and high-risk activities.
4. Bank cards and health insurances: Indian health policies and bank cards do not provide the required Schengen-compliant medical coverage abroad.
5. Tips: Ensure the policy is Schengen-compliant, offers cashless hospitalisation, and has a good claim settlement record.
6. Other useful info: A printed insurance certificate is a mandatory document required for your Schengen visa application submission.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in India, our experts share here everything you need to know to choose the best Schengen travel insurance.
The Best Schengen Travel Insurance Plans
Here is a selection of the best Schengen travel insurance plans available for travelers from India in 2025. These options stand out due to their high coverage limits, low deductibles and straightforward policy conditions which help ensure full compliance with Schengen visa requirements.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | ₹6,00,000 | ₹0 | No deductible to pay.24/7 assistance in multiple languages.Digital certificate for visa applications.Covers medical repatriation and sudden illness. |
| Cap Assistance 24/24 | ₹6,00,000 | ₹0 | Dedicated mobile app for claims.24/7 helpline and direct hospital payment.No age-based surge in premium.Covers emergencies for all ages. |
| Tourist Card | ₹3,00,000 | ₹1,800 | Quick turnaround on claims.Trip cancellation, baggage, and document loss covered.Suited for students and tourists.Accredited for Schengen embassies in India. |
| World Travel | ₹4,20,000 (USA/Canada), ₹1,80,000 (others) | ₹3,000 | Quarantine and COVID-19 included.Mental health and political evacuation.Passport loss assistance.Support in case of disaster. |
| Globe Partner | ₹1,80,000 | ₹0 | Ideal for youth and frequent travelers.Fast digital enrolment.Claims tracked through email.Family plans available. |
| Globe Traveller | ₹3,00,000 | ₹0 | Covers trips up to a year.Flexible for travelers over 60.Assistance in several languages.Fewer restrictions for long stays. |
The best Schengen travel insurance depends on your personal travel and health needs. Use HelloSafe’s travel insurance comparison tool to compare and select the plan that suits you best and subscribe online.
Compare the best travel insurance plans for freeI compareWhat exactly is Schengen travel insurance?
Schengen travel insurance is a mandatory insurance for anyone from India applying for a Schengen visa.
It must cover at least ₹2,70,000 for emergency medical expenses and repatriation throughout all Schengen countries.
The policy must be valid for the entire period of stay and include guarantees for medical costs, hospitalization, and return to India in case of serious illness or accident.
This is also called “Europe travel insurance” or “Schengen visa insurance” but is not the same as standard travel insurance, since it meets special Schengen visa requirements.
Expert advice
Here are the situations where purchasing Schengen travel insurance is especially important for travellers from India:
- It is mandatory for your Schengen visa application from India.
- To cover high medical costs in European countries.
- For emergency medical evacuation back to India, which is expensive.
- Your Indian health policy does not cover you abroad.
- Credit card insurance is not sufficient for a visa.
- To protect against non-refundable trip cancellations or interruptions.
- For loss of your passport or checked-in baggage during travel.
- When travelling with children or elderly family members.
The Price of Schengen Travel Insurance
On average, Schengen travel insurance costs about 3% to 8% of your total trip cost.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 7 days in France and Germany | ₹80,000 | ₹390 to ₹1,200 |
| 15-day family visit to Italy and Spain | ₹1,50,000 | ₹800 to ₹2,500 |
| 30-day holiday in multiple Schengen countries | ₹2,50,000 | ₹2,000 to ₹5,000 |
| 21-day trip for a senior citizen to Austria and Switzerland | ₹2,00,000 | ₹2,500 to ₹7,000 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your Schengen travel insurance depends on several factors:
- trip duration: longer trips usually cost more to insure.
- destination: travel to countries with higher healthcare costs can increase the premium.
- traveller’s age: older travellers may pay higher rates.
- level of coverage: comprehensive plans covering more risks cost more than basic insurance.
- selected add-ons: including extra cover for baggage, cancellation, or adventure activities raises the cost.
What does Schengen travel insurance cover?
Schengen travel insurance is a mandatory policy for all Indian travellers applying for a Schengen visa.
This insurance is compulsory for entry and must be valid in all Schengen countries for the full travel period.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| 🏥 Medical expenses abroad | Key guarantee. Pays for urgent medical care in Europe if you fall ill or are injured. | 🔴 Required for Schengen visa. Choose at least ₹2,70,000 cover with no deductible or up to ₹2,000. Exclusions: pre-existing conditions, routine/regular medical care, elective treatment. |
| 🚑 Medical repatriation | Key guarantee. Pays for your return to India if medically necessary. | 🔴 Required for Schengen visa. Should be fully covered with no deductible. Exclusions: repatriation for non-medical reasons, minor illness, refusal by authorities. |
| 🏨 Hospitalization | Key guarantee. Pays for inpatient care and hospital stays during your trip. | 🔴 Required for Schengen visa. At least ₹2,70,000 with no more than ₹2,000 deductible. Exclusions: psychiatric stays, elective/cosmetic procedures. |
| ☎️ 24/7 assistance | Offers emergency contact and support throughout the trip, available at any time. | 🔴 Required for Schengen visa. Must always be included, no deductible. Exclusions: situations not considered emergencies, language barriers. |
| 🦷 Emergency dental care | Covers dental care for injury or acute pain abroad. | Recommend minimum ₹15,000 cover, deductible below ₹1,000. Exclusions: routine dental care, orthodontics, non-urgent treatment. |
| 🧳 Baggage loss or theft | Payment if your checked-in baggage is lost, damaged, or stolen. | Choose minimum ₹25,000, deductible under ₹1,000. Exclusions: unreported or unattended baggage, valuable items. |
| 🪪 Personal liability | Pays if you accidentally injure someone or damage property during your stay. | Recommend at least ₹10,00,000 and max ₹3,000 deductible. Exclusions: intentional damage, accidents involving family or work. |
| 💔 Trip cancellation | Refund of prepaid costs if you must cancel the trip for a covered reason. | Minimum ₹25,000, deductible should not go over ₹1,500. Exclusions: voluntary cancellations, changing your mind, pre-existing issues. |
| 💸 Trip interruption | Refund of costs if you have to end your trip early for a covered emergency. | At least ₹25,000; deductibles under ₹1,500. Exclusions: voluntary early returns, non-urgent issues. |
| 🧍♂️ Personal accident | Lump sum in the event of accidental death or disability while travelling. | Minimum ₹2,50,000, no deductible. Exclusions: hazardous sports, intoxication, suicide, war risk. |
Choose at least ₹2,70,000 cover with no deductible or up to ₹2,000.
Exclusions: pre-existing conditions, routine/regular medical care, elective treatment.
Should be fully covered with no deductible.
Exclusions: repatriation for non-medical reasons, minor illness, refusal by authorities.
At least ₹2,70,000 with no more than ₹2,000 deductible.
Exclusions: psychiatric stays, elective/cosmetic procedures.
Must always be included, no deductible.
Exclusions: situations not considered emergencies, language barriers.
Exclusions: routine dental care, orthodontics, non-urgent treatment.
Exclusions: unreported or unattended baggage, valuable items.
Exclusions: intentional damage, accidents involving family or work.
Exclusions: voluntary cancellations, changing your mind, pre-existing issues.
Exclusions: voluntary early returns, non-urgent issues.
Exclusions: hazardous sports, intoxication, suicide, war risk.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the Schengen travel insurance best suited to your needs and trip, easily compare offers on HelloSafe.
The conditions of Schengen travel insurance
Schengen travel insurance for Indian travellers is valid only under certain clear conditions. Here are the most important ones to follow:
- Timing of purchase: you must buy the policy before departure from India and before your trip to Schengen countries begins.
- Residency status: you must be an Indian resident at the time of purchasing your Schengen insurance.
- Visa compliance: insurance must cover at least ₹2,70,000 for emergency medical care and repatriation, meeting Schengen visa rules.
- Coverage period: your insurance must be valid for your entire stay in Schengen countries, including transit and travel dates.
- Country coverage: the contract must specify that cover is valid in all 27 Schengen countries for the whole period.
- No ongoing journey: you cannot take out insurance after you have already left India or started your journey.
- Incident reporting: you must report medical emergencies or other claims to your insurer as soon as possible, as per policy rules.
- Exclusion zones: travelling in areas under government travel warnings or exclusions may void the insurance cover.
Watch out!
Think your premium Indian credit card's travel insurance is enough for a Schengen visa? Think again. Most bank card policies lack the mandatory €30,000 medical and repatriation cover required by embassies. You must buy a separate, compliant Schengen travel insurance policy to avoid visa rejection.
Why take out Schengen travel insurance?
Schengen travel insurance is mandatory for all Indian travellers applying for a Schengen visa, regardless of age, trip length or visa type.
Medical incidents abroad may cost much more than in India and even minor emergencies can quickly become a major financial burden.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost in the Schengen Area | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) | ₹8,000 to ₹12,000 | Up to 100% of costs, as per the plan limit |
| Stitches after a fall | ₹12,000 to ₹18,000 | Up to 100% of costs, according to policy terms |
| Consultation and treatment for an intestinal infection | ₹10,000 to ₹15,000 | Usually up to 100%, minus any deductible |
| Emergency tooth extraction | ₹9,000 to ₹13,000 | Up to 100% for emergencies, often within dental limits |
| Medical repatriation | ₹2,50,000 to ₹5,00,000 | Up to 100% of costs if medically necessary |
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Schengen travel insurance may also include luggage cover, personal liability, trip cancellation, 24/7 emergency assistance and repatriation support, essential for peace of mind while travelling.
Good to know
Your Indian health policy is invalid in Europe, where an accident can cost lakhs. Schengen insurance is mandatory for your visa and covers medical emergencies over ₹2,70,000. Get instant, compliant coverage from providers like ACS and travel with complete financial security.
How to choose the right Schengen travel insurance
Coverage terms, reimbursement amounts and eligibility conditions differ between Schengen travel insurance policies in India. Understanding which criteria matter helps you choose the guarantees and options that are genuinely valuable for your trip.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Low medical or repatriation limits may leave you with unpaid bills in Europe. | Always choose at least ₹2,70,000 cover. This is the minimum required for a Schengen visa. |
| 📉 Deductible | Any deductible reduces the amount you get back after a claim. | Prefer zero deductible plans for medical and emergency benefits. Higher deductibles mean higher risk. |
| 📃 Policy conditions | Claims may be rejected if all policy terms or timing requirements are not met. | Purchase insurance before your trip and always check requirements for claim eligibility. |
| 👵 Traveller’s age | Age limits or higher premiums may apply, especially for those over 60 or 65. | If you are a senior, verify your eligibility and be aware of higher premiums or exclusions. |
| 👨👩👧 Traveller profile | The right product depends on if you travel solo, with family, or as a student. | Pick a plan matching your status. Family or student policies can be cheaper and more comprehensive. |
| 📆 Trip duration | Insurance must cover the full period from arrival to departure in Schengen. | Check that validity matches your visa and tickets to avoid being uninsured even for one day. |
| 🌍 Geographic area | The insurance must mention all Schengen countries covered, as required by law. | Review the insurance certificate’s list of destinations. Avoid plans limited to one country. |
| 🛡️ Existing coverage | Indian health insurance and credit cards rarely cover Schengen requirements. | Do not rely on Indian health insurance. Get proof of Schengen compliance for your visa application. |
| 🧗 Planned activities | Sports and adventure activities may be excluded unless you declare beforehand. | Inform your insurer if you plan adventure sports so you can get coverage for those activities. |
Does my current insurance policy cover Schengen travel?
It is reasonable to wonder whether your current insurance, including credit card or health insurance, can serve as Schengen travel insurance, but this is usually not the case.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Schengen travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (ESI/CGHS) | Never | No coverage for medical emergencies or repatriation abroad. Does not reimburse hospitalization or emergency in the Schengen Area for any amount. | Travel insurance covers up to ₹2,70,000+ for medical, plus repatriation, trip cancellation and baggage loss, all required for a Schengen visa. |
| Private health insurance (Star Health, Max Bupa) | Never | Usually no cover abroad, some optional limited international riders. Does not meet Schengen mandatory emergency or repatriation coverage requirements. | Travel insurance always gives ₹2,70,000+ medical and repatriation, civil liability and 24/7 assistance, not included in standard health plans. |
| Classic credit card (SBI Platinum Debit, ICICI Coral) | Never | May cover accident or baggage up to ₹50,000 – ₹2,00,000, but never medical or repatriation. Does not provide cashless hospital or 24/7 emergency support abroad. | Travel insurance provides ₹2,70,000+ for medical, plus hospitalisation and repatriation, all mandatory for Schengen travel. |
| Premium credit card (HDFC Regalia, Axis Magnus) | Limited coverage | May include accident, baggage, or flight issues up to ₹2,00,000 – ₹5,00,000, but excludes required medical. No repatriation, hospitalisation or legal defence. | Travel insurance covers ₹2,70,000+ for health, repatriation, and extra guarantees that cards and basic insurance do not provide. |
Does not reimburse hospitalization or emergency in the Schengen Area for any amount.
Does not meet Schengen mandatory emergency or repatriation coverage requirements.
Does not provide cashless hospital or 24/7 emergency support abroad.
No repatriation, hospitalisation or legal defence.
Expert advice
Be aware: situations like trip interruption due to a family emergency are often excluded from your bank card or health insurance in India. Read the terms carefully to prevent issues abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.
FAQ
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for all Indian citizens applying for a Schengen visa to visit one or more European countries in the Schengen area. If you are travelling for tourism, study, business or family, you must show proof of insurance. Even when not required—such as for diplomatic passport holders—insurance is strongly recommended because emergency medical care in Europe can cost lakhs of rupees.
When is it recommended to purchase Schengen travel insurance?
It is recommended to purchase Schengen travel insurance immediately after booking your flights or itinerary but before submitting your visa application. Buying early helps you secure coverage for trip cancellations, ensures you meet embassy deadlines and provides financial protection from the moment your trip is planned.
How do I purchase Schengen travel insurance?
First, compare plans using HelloSafe’s travel insurance comparison tool for the best prices and coverage. Secondly, check that all guarantees and exclusions meet Schengen requirements, especially medical and repatriation cover above ₹2,70,000. Third, purchase the policy online. You will then promptly receive a certificate to include in your visa documents.
Can I purchase Schengen travel insurance after booking my trip?
Yes, you may purchase Schengen travel insurance even after booking your flights or accommodation. However, for full benefits like trip cancellation or early coverage, it is better to buy it soon after making your main travel arrangements.
How do I make a claim with my Schengen travel insurance?
If an incident occurs, contact your insurer’s assistance hotline right away. Collect and submit all required documents, such as original medical bills, receipts, and reports. Many insurers offer online claim filing and 24/7 customer support for a faster process.
Does Schengen travel insurance cover COVID-19 related expenses?
Most Schengen travel insurance policies now include coverage for emergency medical costs and quarantine related to COVID-19. Always verify with your insurer to confirm these guarantees are provided as embassies may require this for visa approval.
What if my Schengen visa is refused after I purchase insurance?
Many travel insurers offer full refunds for Schengen travel insurance if your visa application is denied. Request cancellation and submit your visa rejection letter or official proof to the insurer as soon as you receive the decision.
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for all Indian citizens applying for a Schengen visa to visit one or more European countries in the Schengen area. If you are travelling for tourism, study, business or family, you must show proof of insurance. Even when not required—such as for diplomatic passport holders—insurance is strongly recommended because emergency medical care in Europe can cost lakhs of rupees.
When is it recommended to purchase Schengen travel insurance?
It is recommended to purchase Schengen travel insurance immediately after booking your flights or itinerary but before submitting your visa application. Buying early helps you secure coverage for trip cancellations, ensures you meet embassy deadlines and provides financial protection from the moment your trip is planned.
How do I purchase Schengen travel insurance?
First, compare plans using HelloSafe’s travel insurance comparison tool for the best prices and coverage. Secondly, check that all guarantees and exclusions meet Schengen requirements, especially medical and repatriation cover above ₹2,70,000. Third, purchase the policy online. You will then promptly receive a certificate to include in your visa documents.
Can I purchase Schengen travel insurance after booking my trip?
Yes, you may purchase Schengen travel insurance even after booking your flights or accommodation. However, for full benefits like trip cancellation or early coverage, it is better to buy it soon after making your main travel arrangements.
How do I make a claim with my Schengen travel insurance?
If an incident occurs, contact your insurer’s assistance hotline right away. Collect and submit all required documents, such as original medical bills, receipts, and reports. Many insurers offer online claim filing and 24/7 customer support for a faster process.
Does Schengen travel insurance cover COVID-19 related expenses?
Most Schengen travel insurance policies now include coverage for emergency medical costs and quarantine related to COVID-19. Always verify with your insurer to confirm these guarantees are provided as embassies may require this for visa approval.
What if my Schengen visa is refused after I purchase insurance?
Many travel insurers offer full refunds for Schengen travel insurance if your visa application is denied. Request cancellation and submit your visa rejection letter or official proof to the insurer as soon as you receive the decision.
